Reimburse the medical expenses incurred, if the insured shall sustain named critical illness during the period of insurance, which is contracted and begins after this policy has been made in force for not less than ninety days (90), which injury or sickness shall necessitate medical & surgical treatment.

In-patient Treatment:

The Medical Expenses for:

• Room rent, boarding expenses,
• Nursing,
• Intensive Care Unit,
• Medical Practitioner,
• Anesthesia, blood, oxygen, operation theater charges, surgical appliances,
• Medicines, drugs and consumables,
• Diagnostic procedures,
• The cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure.

Treatments - without hospitalization:

If the Insured Person suffers a named critical Illness during the Policy Period and had treatments as an inpatient, he/she is entitled to reimbursed the expenses relating to followings as an out-patient.

• Medical treatments related to the illness (chemotherapy, Radiotherapy)
• Related checkups & consultations (after diagnosing the illness)

Pre & Post Hospitalization cover:

• Pre-hospitalization up to 07 days
• Post hospitalization up to 14 days

	Plan 1	Plan 2	Plan 3	Plan 4
Cover Limit (Rs.)
Annual Limit	500,000	1,000,000	1,500,000	2,000,000
Event Limit (90% of the Annual Limit)	450,000	900,000	1,350,000	1,800,000
Without Hospitalization Limit (Within Annual Limit)
i. Medical treatments related to the illness (chemotherapy, Radiotherapy) - 50% of the Annual Limit	250,000	500,000	750,000	1,000,000
ii. Related checkups & consultations (after diagnosing the illness) - 10% of the Annual Limit	50,000	100,000	150,000	200,000
Annual Premium Payable (inclusive of taxes)	6,600.00	12,500.00	18,500.00	24,500.00

• Cancer of Specified Severity
• Heart Attack- Myocardial Infarction
• Kidney Failure (End Stage Renal Failure)
• Stroke
• Major Organ Transplant
• Major Surgery of Aorta
• Coronary Artery By-Pass Surgery
• Paralysis/Paraplegia
• Multiple Sclerosis
• Heart Valve Surgery
• Benign Brain Tumour
• Chronic Lung Disease
• Coma of Specified Severity
• Coronary Angioplasty (PTCA)
• Apallic Syndrome (Vegetative State)
• Fulminant Viral Hepatitis (Acute Liver Failure)
• Major Burns
• Primary Pulmonary Arterial Hypertension
• Chronic Liver Disease
• Muscular Dystrophy
• Motor Neuron Disease

Covered Person : Individuals staying in Sri Lanka and having Sri Lankan Citizenship

Entry Age : 18 – 55 years

Exit Age : 65 years

Geographical Limit : Sri Lanka

Waiting Period : 90 days (Not applicable for renewals)

Claim Settlement : Claims settlement is on reimbursement basis. Cashless facility will be activated from 2nd year onwards.

Renewal : 5% discount will be offered for every claim free year up to maximum of 25%. Renewal of the policy is subject to the review of claim experience. The cover provided under the policy can be extended/renew subject to the exclusion of diagnosed critical illness and an appropriate premium loading.

All other terms, exceptions and conditions are as per Wellness Plus – Critical Illness Insurance Policy wordings.